Clearing and settlement engineering work
Fintech · case 014
Clearing & settlement engine
Replaced a spreadsheet-and-email settlement process for a payments group operating in four countries.
- £2.4bn
- Settled / quarter
- 31
- Days to launch
Two engineering pods open for August
Stop auditioning
freelancers.Shipfintech.
We are a senior in-house product team. You bring the idea and the domain; we bring the architects, designers and engineers who have shipped it before — in fintech, private equity, public infrastructure, hospitality and retail.
30 minutes. A named engineer, not a salesperson. Scope and a fixed number by the end of it.
Median time to first release
31 days
Systems in production
47
Clients on a second build
82%
Regulated domains
- SOC 2
- PCI-DSS
- GDPR
- KYC / AML
- WCAG 2.2
02 — Why Etariosk exists
Your ideas have potential.
Make them real.
Most software ideas die in the gap between having them and running them. Etariosk closes that gap in one contract.
You do not need to learn what a stack is, interview forty bidders, referee a deadline, or find someone to keep it alive next year. You describe the outcome you want in your business — the ledger that balances itself, the rota that fills itself, the portal your tenants stop phoning about. We take it from there: discovery, design, architecture, build, deployment, monitoring and maintenance, under one team, one plan and one number.
Schedule a free call →You bring
The idea and the domain
What is broken, who suffers from it, and what good would look like.
We bring
The team, in-house
Architect, product designer, engineers, QA — on one payroll, in your sector.
We bring
Every technical decision
Stack, cloud, integrations and security — chosen, documented, defended.
We bring
Life after launch
Deployment, monitoring, patching and on-call — or a clean handover.
Operators who stopped shopping the marketplaces
Client logo
Client logo
Client logo
Client logo
Client logo
Client logo
The marketplace math never works out.
03 — Why you are here
Hiring on Upwork / Freelancer
- 40+ proposals to read, none of them written for your domain.
- Cheapest bid wins the contract; the rewrite costs three times the saving.
- No architect, no QA, no security review — you are the tech lead by accident.
- Contractor disappears; the knowledge leaves with them.
- Nine months later you still have a demo, not a product.
Hiring Etariosk
- One call, one scope document, one fixed number.
- A pod that has already shipped in your industry and its regulators.
- Architect, designer, engineers and QA on the same payroll.
- Documentation, infra and handover written as we build.
- Something real in front of users in 31 days.
We only take work in industries we already understand.
04 — Industries
Open a sector to see the systems we have shipped in it.
01Fintech & payments+
Multi-entity ledgers, reconciliation engines and settlement pipelines that survive an audit.
KYC/AML onboarding, sanctions screening, merchant risk scoring.
Card, wallet and open-banking integrations; PCI-DSS scoped from day one.
02Private equity & investment+
Deal-flow and diligence workspaces with permissioned data rooms.
Portfolio monitoring: KPI ingestion from portfolio-company systems, valuation roll-ups.
LP reporting portals and capital-call automation.
03Public infrastructure maintenance+
Asset registers, inspection scheduling and condition scoring across geography.
Field apps that work offline and sync when the van gets signal.
Works orders, contractor SLAs and public-facing status reporting.
04Restaurant chains+
Kitchen display, prep forecasting and waste tracking per site.
Franchise consoles: menu versioning, pricing by region, compliance sign-off.
Loyalty, ordering and delivery-aggregator integrations under one order model.
05Real estate+
Listing and lettings platforms with document flow and e-signature.
Tenant portals, maintenance ticketing and service-charge accounting.
Underwriting models and portfolio dashboards for institutional owners.
06Supermarkets & retail+
Replenishment forecasting, shrink analytics and planogram compliance.
Store-ops apps for stock counts, price changes and date checks.
Supplier portals and promotion planning across hundreds of SKUs.
07Hiring & workforce+
Applicant tracking, structured scorecards and interview scheduling at volume.
Compliance: right-to-work, certifications, background-check orchestration.
Shift marketplaces, rota optimisation and payroll export.
31 days from first call to something live.
05 — Process
- 01
Free call — 30 minutes
You describe the idea. We tell you what we would build first, what it costs, and what we would refuse to build.
Day 0 - 02
Discovery sprint
Three days with your operators. Out comes a scoped backlog, an architecture, clickable screens and a fixed price.
Days 1—3 - 03
Two-week build cycles
Every second Friday you get a demo you can click, a changelog, and the burn against the fixed number.
Days 4—30 - 04
Live, and yours
Repos, infrastructure, runbooks and documentation in your accounts. Keep us on call, or don't.
Day 31
You don’t pick a stack, hire a DevOps engineer, or babysit a deploy. We handle it.
06 — Handled end to end
01
Development
Senior engineers writing the product, with AI review on every pull request — tests, security and performance flagged before a human ever waits on them.
02
Deployment
Infrastructure as code in your cloud account, pipelines, staging, rollbacks and environment secrets — set up once, in week one, not argued about in week nine.
03
Maintenance
Monitoring, dependency and patch cadence, incident response with an on-call rota and an SLA. The thing keeps working after launch day.
04
Schedule a free call →The stack itself
We choose it, defend the choice in writing, and own it — boring, supported technology your next hire already knows.
Three systems, still in production.
07 — Build log
Highways field maintenance work
Public infra · case 021
Highways inspection platform
Offline-first field app and asset register for a regional maintenance authority and its contractors.
- 31k
- Assets tracked
- −41%
- Repeat visits
Restaurant chain operations work
Restaurant chains · case 027
Franchise operations console
Menu, pricing and compliance across 180 franchised sites, replacing four disconnected tools.
- 180
- Sites live
- 6
- Hrs saved / site / wk
“We had spent eleven months and two contractors on the same idea. Etariosk had it in front of merchants in nine weeks and they still run the on-call rota.”
Name Surname
COO, payments group · replace with a real reference
- 47
- Systems shipped
- 11
- Industries
- 34
- In-house engineers
- 82%
- Return for a second build
Three ways in. All of them start with the same free call.
08 — Engagements
A — Validate
Discovery sprint
Fixed fee · 3 days
Architecture, clickable prototype, scoped backlog and a fixed build price. Credited against the build if you continue.
Book the call →B — Build · most chosen
Dedicated pod
Monthly · 8—16 weeks typical
Architect, product designer, two to four engineers and QA. Two-week cycles, fixed number, weekly demo.
Schedule a free call →C — Rescue
Take-over
Audit first · then fixed
A freelancer build that stalled. We audit the code, tell you honestly what is salvageable, then finish it.
Get the audit →How much does a build cost?+
Most first releases land between the price of two senior contractors for six months and a third of that again. You get the exact number after the discovery sprint — before you commit to the build.
Why not just hire two freelancers?+
You can — and you will also be the architect, the QA, the project manager and the security reviewer. Our pods bring those roles with them, and they have shipped in your industry before.
Who owns the code and the data?+
You do, from the first commit. Repositories, cloud accounts and secrets live in your organisation; we work inside them.
Will you sign an NDA before the call?+
Yes. Ours is two pages, or we sign yours. Say so when you book and it is done before we speak.
What happens after launch?+
Either we stay on a support retainer with an on-call rota and an SLA, or we hand over to your team with documentation and two weeks of pairing. Both are priced up front.
What do you refuse to build?+
Anything we cannot support: unlicensed financial products, scraped-data businesses, and features that exist only to pad a scope. We will tell you on the call.
10 — Schedule a free call
Bring the idea.
Leave with a plan
and a number.
Thirty minutes with an engineer who has built in your sector. No deck, no discovery fee, no obligation — and a written summary the same day.
- Usually within 48 hours of your request.
- NDA signed first, if you want one.
- Two pods open for August — then October.